Auto-enrolment applies to staff aged 22 to state pension age earning over £10,000 annually from a single job.

Minimum total contributions are 8% of qualifying earnings, with at least 3% from employers and 5% from employees.

Qualifying earnings include salary between £6,240 and £50,270 per year for the 2026 tax year, but thresholds may change annually.

You must provide a pension scheme, either a workplace pension like NEST or a private scheme meeting standards.

Communicate clearly to employees about their rights, contributions, and opt-out options within set deadlines.

Contribute regularly, usually monthly via payroll, and ensure payments are made on time to avoid fines.

Keep detailed records of enrollment dates, contributions, and communications for at least six years.

Re-enroll eligible staff every three years if they've opted out, and assess new joiners from their first day.

Report compliance to The Pensions Regulator using declaration of compliance forms as required.

Review contributions annually for changes in earnings or staff eligibility to maintain compliance.